Study Abroad
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LoFi
Jun 2, 2025
STUDY ABROAD WITH INCRED
Skip the collateral hassles and secure up to ₹60 lakhs for your study abroad journey with InCred's study abroad loans.
Co-signerNo collateral
Incred
Education Loan
Upto ₹60 lakhs
Interest Rate
11.75%* onwards
Processing fee
1%
Processing time
7 Days
High Approval Rate
17+ trusted lenders on one single platform
Starting at 3.39%*
Competitive Rate of Interest
Flexible Loans
No cosigner & no collateral loans available
Why Choose Lorien Finance for Your Incred Study Abroad Loan?
InCred offers students with a streamlined digital application process along with affordable interest rates to fulfil your abroad education dream.
Simplified application process
Support for top global universities
Smart Interest Structure
Covers tuition, living expenses, and travel
Loan Features & Details
| Maximum Loan Amount | 100% cost of education (Collareral) Upto ₹60 lakhs (Non-Collateral) |
| Interest Rate | Starting from 11.75% p.a.* |
| Repayment Period | Up to 15 years after course completion |
| Processing Fee | 1% + GST |
| Margin Money | NIL |
| Moratorium Period | Study period + 6 to 12 Months |
| Prepayment charges | NIL |
| Countries Covered | USA, UK, Australia, Canada, Germany, Ireland, New Zealand and many more |
Eligibility criteria
- Must be an Indian citizen and 18 years of age.
- Must have confirmed admission to a recognised international university.
- Must have a strong academic background.
- Co-applicant required (parent/guardian/spouse/sibling) with a stable income.
- Collateral required for loan amounts above the non-collateral threshold (varies by profile)
- Must have cleared relevant entrance exams (GRE/GMAT/TOEFL/IELTS as applicable)
4.7
on
reviewsInternational Alumni Network of 500+ Indian Students
4.7
onreviews
Loan Received: $30,000
Int. Rate: 6.45%
"I had a smooth and hassle-free experience securing a loan with Lorien Finance. They were professional, approachable, and transparent throughout the process, explaining all terms and conditions clearly. I highly recommend Lorien finance and Nishant for reliable financial assistance."
Harsh
Montclair State University
5
Loan Received: $28,000
Int. Rate: 7.24%
"I would like to express my sincere gratitude to Lorien Finance for their outstanding support in assisting me with my loan process. The team took the time to explain all the details, answer all my questions, and provide valuable advice throughout the entire process."
Vaidehi
University of New Haven
5
Loan Received: $35,000
Int. Rate: 4.70%
"I had a great experience with Lorien Finance while securing my student loan. The process was smooth, transparent, and efficient, making it stress-free for me. Lorien’s dedication to helping students achieve their educational goals is truly commendable."
Ayush
University of North Carolina
5
Loan Received: ₹34 Lakh
Int. Rate: 11%
"With straightforward application process I received my loan approval faster than I expected with Lorien Finance. The customer service team was responsive and very knowledgeable. I appreciate their transparency about fees and interest rates."
G. Bhanu
University of Portsmouth
4.7
Loan Received: $30,000
Int. Rate: 6.45%
"I had a smooth and hassle-free experience securing a loan with Lorien Finance. They were professional, approachable, and transparent throughout the process, explaining all terms and conditions clearly. I highly recommend Lorien finance and Nishant for reliable financial assistance."
Harsh
Montclair State University
5
Loan Received: $28,000
Int. Rate: 7.24%
"I would like to express my sincere gratitude to Lorien Finance for their outstanding support in assisting me with my loan process. The team took the time to explain all the details, answer all my questions, and provide valuable advice throughout the entire process."
Vaidehi
University of New Haven
5
Loan Received: $35,000
Int. Rate: 4.70%
"I had a great experience with Lorien Finance while securing my student loan. The process was smooth, transparent, and efficient, making it stress-free for me. Lorien’s dedication to helping students achieve their educational goals is truly commendable."
Ayush
University of North Carolina
5
Loan Received: ₹34 Lakh
Int. Rate: 11%
"With straightforward application process I received my loan approval faster than I expected with Lorien Finance. The customer service team was responsive and very knowledgeable. I appreciate their transparency about fees and interest rates."
G. Bhanu
University of Portsmouth
4.7
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Frequently Asked Questions
01What expenses are covered under the Earnest study abroad loan?
01
What expenses are covered under the Earnest study abroad loan?
01
Earnest loans cover tuition fees, living expenses, travel costs, books, and other education-related expenses. You can get up to 100% of your education cost funded.
02What expenses are covered by the BOI loan?
02
What expenses are covered by the BOI loan?
02
Tuition, hostel, living, travel, exam fees, laptop, deposit, and insurance.
03How long does BOI loan processing take?
03
How long does BOI loan processing take?
03
Typically within 7 days post-document submission.
04What is the repayment timeline?
04
What is the repayment timeline?
04
After course completion plus 1-year moratorium, repayment spreads up to 15 years.
05Does BOI loan interest qualify for tax benefit?
05
Does BOI loan interest qualify for tax benefit?
05
Yes, interest is deductible under Section 80E of the Income Tax Act.
06Can I repay my Earnest student loan early without penalty?
06
Can I repay my Earnest student loan early without penalty?
06
Yes, Earnest offers zero prepayment charges. You can repay your loan early at any time without incurring any extra fees. This helps reduce your interest burden.
USA Office
609 Greenwich St, New York, NY 10014
INDIA Office
New Delhi - Plot No.1/262, Westend Marg, Saket,
New Delhi 110030
Mumbai- C20, G-Block BKC, Bandra East, Mumbai,
Maharashtra 400051
Nashik- 138, Vitthal Bungalow, Madhu Vijay Colony,
Nashik 422005
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+91 7291099734
hello@lorienfinance.com
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